Individuals and families who are primarily healthy, but are looking for emergency catastrophic coverage
20 Discounts Seniors Did Not Know They Could Get
There are many special discounts that are available to seniors. Retirees are offered discounts at most retailers, restaurants, parks, on public transport and at hotels. But you won’t get these Discounts unless you know about them. Simply ask the question, “Do you offer a senior discount?” and see how much you can save. You’ll be surprised at the amount of money you can save just by being aware of the discounts you’re already entitled to.
Here is a list of 20 discounts seniors get only if they know to ask about them in 2020. Not only can you read about them here, you can click the links provided if you want to take advantage of these special discounts.
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This money saving idea is also for senior homeowners, so if you’re a renter you can skip this one. Did you know that a home without a home security system is three times more likely to be broken into than a home with a security system. While installing a home alarm system isn’t just to stop burglars and intruders, it may also save you big money year after year. A house alarm may save you money on your homeowners insurance policy (which is generally mandatory if you own a home). It’s also really important for seniors to have a high functioning alarm system installed so that they can get medical aid in the case of a life threatening emergency, especially for those who live alone.
In fact, installing a home alarm system may give homeowners a 10-20% discount on their insurance. ADT is currently offering over $850 in security equipment if you just pay the installation fee of $99 and sign up for a 24 or 36 monthly monitoring contract.
Congress has replaced HARP, which helped over 3.3 million Americans reduce their mortgage payment, with a number of new programs including the Freddie Mac Enhanced Relief Refinance (FMERR) initiative.
When seniors click on this website, they can quickly see if they qualify for a plan that offers them shockingly low-interest rates and reduced mortgage payments. These new initiatives replace HARP, the Obama-era mortgage relief program, and can help middle-class seniors reduce their monthly mortgage payments by as much as $3,120 each year (paying $260 less per month).
If you owe less than $625,000 on your home you most likely qualify for the Freddie Mac’s Enhanced Relief Refinance option.
For whatever reason, a lot of people think this program is ‘too good to be true’. Even worse, some think the program is only for homeowners with bad credit or foreclosures. This couldn’t be farther from the truth. HARP (and FMERR) were made for the average American. And having good credit helps you qualify for EVEN better rates!
The Government has not announced an expiration date yet, but who knows if this ‘beta’ program will last past 2019. So, If you want to reduce your monthly mortgage payments, you must act now.
Stepping into retirement can be pretty daunting. Doing it with existing unsecured debts can make it even more of a challenge. Debt Settlement allows you to combine all your unsecured debts into a single monthly payment. Generally this allows for much lower payments on a monthly basis than the sum total of the separate debts – making life a lot more manageable. There are many firms out there who will walk you through the process making it simple and painless. If you have more than $15,000 in debt then this is something you should do right away, compounding interest is NOT your friend.
One of the scariest things about home ownership is that you never know if and when things will go wrong in your home. This is why it’s important to have a home warranty. Not only will a home warranty save you money, but it protects you when a covered appliance or system breaks down.
American Home Shield offers protection when something in your home breaks down beyond repair. AHS offers warranties on a number of appliances and systems, such as air conditioning, refrigerators, dishwashers, dryers, ovens, and more.
AHS’s claims hotline is available 24/7, and once a claim is filed, a local, trusted technician is sent to service it. Prepare for the unexpected with a home warranty.
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Individuals and families who primarily want preventative services and basic medical care, also with emergency catastrophic coverage
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Did you know that depending on your age and other factors you could get a huge discount on car insurance? Recent studies indicate that only 5% of American drivers over the age of 55 are paying less than $50 per month for car insurance. That is probably because they are not taking advantage of the multiple discounts available to them. Click here to learn how seniors can save $400+ on car insurance.
Unfortunately, as our age increases so do our premiums for life insurance. In fact, typically the premium amount rises 8-10% for every year of age. For senior citizens, rising life insurance policy costs can add up significantly. Many senior citizens also have a hard time qualifying for a new policy once they reach a certain age. The best way to get the cheapest life insurance policy possible is to compare quotes from multiple carriers in much the same way you would do with car insurance, or cell phone plans. Luckily, there’s a new website National Family Life Insurance that will automatically use your information to find you** the best life insurance policy for your needs at much lower prices.**
8. EATING OUT
If you don’t feel like cooking be sure to turn to these places for good senior dining deals. From fast food to steak restaurants, our compiled restaurant list will definitely help you make your choice
Keep in mind that deals may vary at participating locations and can change without notice.
■ McDonald’s: discounts on coffee and beverages (55+)
■ Whataburger: free drink with purchase of a meal, depending on location (55+)
■ Wendy’s: give free coffee or other discounts depending on location
■ Piccadilly Cafeteria – 10% discount with “Prime Time for Seniors” card
■ IHOP – 10% discount (55+) and a menu for people aged 55 and over at participating locations
■ Golden Corral: Senior discount varies by location
■ Krispy Kreme Senior Discount: 10% off (50+) (age and discount varies depending on location)
■ Perkins Restaurants: Fifty-Five Plus menu Offers special deals (55+)
■ Subway: 10% off (60+) varies by location
■ The Old Spaghetti Factory: Spaghetti Factory “Senior Menu” offers discounted list of menu items
■ Uno Pizzaria & Grill: “Double Nickel Club” 25% off on Wednesday (55+)
■ Sizzler: Offers “Honored Guest Menu” (60+) varies by location
■ Papa John’s Senior Discount: check with your local stores (no standard senior discount policy)
■ Old Country Buffet: Daily discounts for seniors (55+)
■ Friendly’s Restaurants: 10% off meal w/ free coffee at breakfast or free small sunday during non-breakfast hours
■ Fazoli’s: Join “Club 62” for special senior menu items (62+)
■ KFC: free small drink with any meal depending on location (55+)
■ Country Kitchen: Great Senior Menu (55+)
■ Burger King: 10% discount on purchase depending on location (60+)
Walk-in tubs are designed to satisfy the needs of seniors, the disabled, handicapped or anyone with mobility challenges. Statistics say that falls occur in your bathroom more often than in any other room in your house. The Center for Disease Control tells us that two-thirds of bathroom injuries happen near your tub or shower. Usually they happen when you step over your tub wall, or slip on a wet floor, or when you lean on a glass door that wasn’t designed to support your weight.
It’s another fact of life that these bathroom injuries increase significantly after you turn 65. This is often when your eyesight starts to fade, and you have less mobility and balance. The bottom line? One in three adults over 65 experience falls each year. Right now, many Walk-in Tub manufacturers are offering big discounts to seniors. You can get a free quote on a Walk-in Tub by visiting this website.
Reverse mortgages allow elders to access the home equity they have built up in their homes and defer payment of the loan until they die, sell, or move out of the home.
Because there are no required mortgage payments on a reverse mortgage, the interest is added to the loan balance each month. This could be a great option for you if you have a lot of home equity built up, but need some extra money to live during your retirement years.
Many retirees have worked hard all their lives and have most of their money tied up in their homes but don’t want to sell because they enjoy the area they live in. That’s where a reverse mortgage can be particularly useful. You can visit this free website to see if you qualify >>
If you’re experiencing or worried about liens, garnishments, penalties, or more, now is the time to learn about your options to take care of your tax debt.
Tax debt relief programs under Federal guidelines could help you settle with the IRS. Don’t wait any longer. You may qualify to significantly reduce your tax debt obligation. Click here to see if you qualify >>
You’ve worked hard to build the life and family that you have. Surely you want to preserve the world that your children and grandchildren are going to live in.
Here’s some exciting news: residents in certain ZIP codes across the USA qualify for a little-known federal refund plan called the US Solar Department which not only outfits their home with solar panels, but puts cash in their pockets to do it.
It’s a win-win situation: on one hand, you’re looking at substantial monthly savings on energy costs and on the other, you’re staring at an upfront influx of cash—just for participating!
Do yourself a favor and click the link below to see if your ZIP code qualifies for the tax credit.
If you’ve had the same cable provider for a long time, you might be missing out on some great features and overpaying for less. For a limited time, though, you could lock in a two year guaranteed rate of $59.99 per month by switching to DISH.
DISH is offering 190 channel—including free premium channels—to qualifying customers. In addition, you may be qualified for a free voice remote, free installation, and free HD for life. Too busy to watch your favorite shows when they air? This offer also includes a Smart HD DVR. Check promotions in your area before this offer ends.
If you’re stuck with a Timeshare you never use, let the experts help you get your money back instead of struggling alone. My Timeshare Options enables you to recoup the cost of your Timeshare by providing all the resources you need. Get a free quote with no risk and no obligation through My Timeshare Options and let the experts tell you how to get thousands of dollars back on your investment. Just enter your information to get your free quote!
You have probably heard that new technology is allowing people to remodel their bathrooms in as little as 1 day.
This allows senior homeowners to avoid the inconvenience and mess of weeks of construction while replacing an old tub with a sleek new upgrade. Finding the right contractor for your bathroom remodel can be complicated.
From shower conversions to custom mobility and safety requirements, the options and prices range considerably. Instead of spending hours researching online, you can use this website to compare options, and find quality providers that work in your local area.
16. TAKE A TRIP TO THE MOVIES AND SAVE
AMC Theaters, Regal Cinemas, Showcase Cinemas & CineMagic
Whether it’s just you and your partner, or with the grandchildren, it’s nice to go to the cinema every so often. Lots of theaters offer a senior discount. AMC Theaters offer a generous 30% discount to those over the age of 60. Better yet, Regal Cinemas will give you 35% off if you are 60 and over. With the money you’re saving you can treat the grandchildren and get a bag of candies to eat while you all enjoy the movie.
Various other theaters also provide discounts for seniors though this isn’t advertised broadly. Showcase Cinemas, for instance, offers discounted ticket price on Senior Wednesdays at all locations (except Showcase Superlux), and various discounts for popcorn and a soda. If you’re over 65, you can get a discount of between 10%-25% off your ticket price at CineMagic. Look up your local theaters online to see what they have to offer.
Smart USA investors are quickly learning how to take control of their own retirement finances and AVOID putting all their retirement money into the stock market (which can crash at any time just like it did in 2008). The solution that many of the top investors have turned to is learning how to invest in physical gold. If you don’t currently understand how to invest in physical gold, there is good news: You can now learn a lot faster than you think!
This Free Gold Investment Guide (available for a limited time) makes it fast, easy and FREE to get the information you need to learn about investing in physical gold. Income creation + wealth protection from sudden market downturns are two of the biggest advantages as to what makes gold investing so attractive.
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18. SAVE WHILE SHOPPING
Banana Republic, Kohl’s, Marshall’s and Stein Mart.
You might be surprised to learn that a lot of trendy shops give a senior citizens discount. At Banana Republic, if you’re over 50-years old you can get a 10% discount at stores, simply by asking for it.
At Kohl’s on Wednesdays, over 60s can get 15% off. And on Tuesdays, outlet stores Marshall’s, Ross will offer up a 10% discount for seniors – though the exact age is determined by each store.
Walgreens hold a “Seniors Day” once a month too – which varies by location. *Discounts of 20% are available *for Rewards card members that are over 55 years old in store, and if you’re shopping online you can get a 10% price reduction.
If you are 62 or older, you can get a 10% discount every Tuesday and Wednesday at Dress Barn. And that’s not all, Stein Mart are treating over 55s with their clearance offer. On the first Monday of each month, you can get an extra 20% discount on clearance items. Goodwill gives 10%-20% discounts varying by store.
Just remember to check with the specific store in your area, as discounts might vary and change without notice.
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